COMPREHENSIVE PROTECTION FOR WHAT LIFE MAY BRING …...Allianz Shield Plus is a comprehensive personal accident plan that is specially tailored to help you prepare ahead for whatever

Allianz Shield Plus

COMPREHENSIVE PROTECTION FOR WHAT LIFE MAY BRING YOU

Allianz General Insurance Company (Malaysia) Berhad (735426-V)

Allianz Shield Plus Allianz Shield Plus

2 3

PROTECT THE ONES THAT MATTERS TO YOU

Allianz Shield Plus is a comprehensive personal accident plan that is specially tailored to help you prepare ahead for whatever life may challenge you financially.

Here are 8 key features of how Allianz Shield Plus cares for you and your family.

Accidents can happen to anyone when we least expect them. The loss of income and the ever piling bills arising from serious accidental injuries can be extremely taxing. Such financial hardship could be burdensome for the loved ones in the event of a death.

Snatch Theft

or attempted snatch theft cover

With option to

cover double indemnity

in the event of Motor Vehicle

Accident

Cashlessadmission and discharge for

accidental medical treatment

Alternativemedicine

benefit

Renewal Bonusup to

100%

Highcoverage up to

RM3 million for accidental

death & permanent disablement

With option tocover up to

RM2 millionfor medical assistance

and evacuation

20% cover of Bereavement

Allowance due to Dengue, Zika Virus, Malaria, Japanese

Encephalitis or Chinkungunya


4 5

SCHEDULE OF BENEFITSBenefits

Plan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6 Plan 7 Plan 8 Plan 9 Plan 10

RM

Principal Sum Insured for Accidental Death & Permanent Disablement (up to) 60,000 120,000 180,000 240,000 360,000 600,000 900,000 1,200,000 2,000,000* 3,000,000*

Medical Expenses (up to) 3,500 4,500 5,500 6,500 7,500 8,500 9,500 10,000 12,000 15,000

Alternative Medicine (up to) 350 400 450 500 550 600 650 700 750 800

Blood Transfusion 20% of Principal Sum Insured

Dental Correction and/or Corrective Cosmetic Surgery (up to) 5,000

Hospital Income (per day/max. 180 days) 85 85 85 110 110 185 185 235 250 300

Renewal Bonus up to 100% of Principal Sum Insured

Permanent Impotency or Infertility 20% of Principal Sum Insured

Kidnap 10,000 for expense and 50,000 for reward

Ambulance Fee (up to) 500

Funeral Expenses 5,000

Bereavement Allowance 20% of Principal Sum Insured

Personal Liability (up to) Three times of Principal Sum Insured

Mobility Expenses (up to) 2,000

Repatriation Expenses (up to) 20,000

Miscarriage (due to Accident) 2,000

Compassionate Care (up to) 10,000

Snatch Theft or Attempted Snatch Theft 600

Double Indemnity (whilst travelling in a Public Transport or whilst travelling overseas)

Available

Weekly Benefit for Occupation Class 1 and 2 50 75 100 125 150 250 375 500 750 1,000

Weekly Benefit for Occupation Class 3 50 50 50 75 75 Not Available

Double Indemnity in the event of Motor Vehicle Accident(Occupation Class 1 and 2 only)

Available Not Available

International and Domestic Medical Assistance and Evacuation (up to) 2,000,000

OPTIONAL BENEFITS


6 7

PREMIUM RATESAnnual Premium with Weekly Benefit

OccupationPlan 1 Plan 2 Plan 3 Plan 4 Plan 5 Plan 6 Plan 7 Plan 8 Plan 9 Plan 10

RM

Class 1 and 2 145 219 292 376 502 859 1,153 1,510 2,054 2,992

Class 3 200 305 420 578 840 Not Available

Annual Premium without Weekly Benefit


RM

Class 1 and 2 103 177 229 303 418 670 943 1,248 1,816 2,674

Class 3 168 273 389 525 788 Not Available

OPTIONAL BENEFITS

Double Indemnity in the event of Motor Vehicle Accident


RM

Class 1 and 2 18 36 54 72 108 180 270 360Not

Available Not

Available

Class 3 Not Available

International and Domestic Medical Assistance and Evacuation


RM

Class 1, 2 and 3 15.90 (Inclusive of Service Tax)

Notes:

1. Premium is further subject to RM10 for Stamp Duty and Service Tax.

2. For children aged between one (1) month to twelve (12) years old, the maximum Principal Sum Insured allowable is RM120,000.

3. For children aged between twelve (12) years old to seventeen (17) years old, the maximum Principal Sum Insured allowable is RM180,000.

4. Double Indemnity in the event of Motor Vehicle Accident is avalaible for Occupation Class 1 and 2 and Plans 1 to 8 only.

5. *To be referred for underwriting. In order for an individual to purchase Principal Sum Insured RM2,000,000 and RM3,000,000, proposer will have to submit completed Large Amount Questionnaire (LAQ) signed by Proposer and Branch Manager.

6. If Double Indemnity (whilst travelling in a Public Transport or whilst travelling overseas) benefit of this policy is also payable, the Insured Person is only entitled to claim either Double Indemnity (whilst travelling in a Public Transport or whilst travelling overseas) or the Optional Cover, Double Indemnity in the event of Motor Vehicle Accident only.

7. Only death and permanent disablement benefits will be payable should the Insured Person be away from Malaysia, Brunei and Singapore for more than 90 consecutive days.

8. Automatic Renewal - Subject to the terms and conditions of your policy and payment of any premium due, your policy shall be renewed on each policy anniversary upon expiry unless the policy is terminated.


8 9

Allianz Shield Plus is designed to provide you and your loved ones with 20 Primary Benefits should the unexpected happens.

DESCRIPTION OF BENEFITS KidnapPays a lump sum of RM10,000 for necessary expenses incurred to recover the Insured Person. The Company will also offer a reward of RM50,000 for information leading to the recovery of the Insured Person provided that the Insured Person is alive at the time of recovery. The Principal Sum Insured will be paid in full if the kidnapped Insured Person is not recovered after a period of one year from the date of reported kidnapping to the police.

Funeral ExpensesPays RM5,000 for Funeral Expenses in the event of accidental death.

Bereavement AllowancePays 20% of the Principal Sum Insured in the event of death due to Dengue, Zika Virus, Malaria, Japanese Encephalitis or Chikungunya as a Bereavement Allowance upon submission of documents required by the Company.

Personal LiabilitySubject to the limit of liability, the Company will indemnify the Insured Person in respect of all sums legally liable to third parties in respect of accidental bodily injury or accidental damage to property. The territorial limit of this benefit is within Malaysia only.

Mobility ExpensesIn the event the Insured Person suffers Permanent Disablement due to an accident, the Company shall reimburse the Insured Person, up to the limits stipulated in the Schedule, the actual costs of purchasing a medical equipment provided always that such medical equipment are necessary to assist the mobility of the Insured Person and are recommended by the attending Medical Practitioner.

Repatriation ExpensesPays up to maximum of RM20,000 in the event of accidental death of the Insured Person whilst he/she is travelling outside his/her home country. The Company shall reimburse the Insured Person’s legal representative for Repatriation Expenses of the Insured Person’s mortal remains back to his/her home country.

Accidental Death/Permanent DisablementPays the Principal Sum Insured in the event of accidental death or permanent disablement.

Snatch Theft or Attempted Snatch TheftIn the event of Snatch Theft or Attempted Snatch Theft, the Company will compensate RM600 to the Insured Person subject to a police report being lodged. Police report to be made within twenty four (24) hours of the Snatch Theft or Attempted Snatch Theft occurrence.

Double IndemnityIn the event the Insured Person suffers death, total paralysis from neck down or permanent total loss of use of two limb (or two or more limbs) due to an accident whilst travelling as a fare-paying passenger in a public transport or whilst travelling in overseas, this benefit together with Renewal Bonus (if any) shall be doubled.

Hospital IncomeA daily benefit is payable for the period of hospitalisation as a resultof an accident, up to a maximum of 180 days.

This benefit is only triggered if the Insured Person is hospitalised for more than twelve (12) hours due to an Accident.

Renewal BonusUpon renewal of policy, the Principal Sum Insured shall be increased by 10% per year up to 100% of the Principal Sum Insured regardless of any claims made under Medical Expenses, Blood Transfusion, Dental Correction and/or Corrective Cosmetic Surgery, Weekly Benefits, Hospital Income, Kidnap, Ambulance Fee and Personal Liability.


10 11

Dental Correction and/or Corrective Cosmetic SurgeryPays up to RM5,000 for any additional expenses incurred for Dental Correction and/or Corrective Cosmetic Surgery on the neck, head or chest (navel up) following injuries sustained as a result of an accident.

Permanent Impotency or InfertilityPays up to the limits specified in the Scale of Benefits for Permanent Impotency or Infertility as a result of an accident.

Miscarriage Due To AccidentPays RM2,000 per accident in the event the Insured Person suffers a miscarriage as a result of an accident.

Compassionate Care(i) Reimburses up to RM10,000 for reasonable expenses incurred for

travelling and accommodation by one (1) family member to take care and/or accompany the Insured Person who is a minor, not more than eighteen (18) years old, during the period of hospitalisation, provided the hospitalisation is a result of an accident.

(ii) In the event that the Insured Person gives birth to a baby or babies with birth defects caused by the Zika Virus as certified by a Medical Practitioner, the Company will pay a lump sum of RM10,000 to the Insured Person.

Ambulance FeePays for Ambulance Fee up to RM500 per accident.

Medical Expenses Indemnifies the medical expenses incurred for injuries resulting from an accident, including illnesses such as Dengue, Zika Virus, Malaria, Japanese Encephalitis or Chikungunya.

Cashless Hospital Admission and DischargeCashless Admission guarantees up to RM2,500 at all participating hospitals in Malaysia and within the Asia Pacific Countries* consequent upon an accident. Dengue, Zika Virus, Malaria, Japanese Encephalitis or Chikungunya and other form of diseases are excluded from this benefit. The Company will also facilitate the Insured Person’s discharge from the same hospital provided all items in the hospital bill are covered under the medical expenses benefit. This cashless benefit will only be activated after seven (7) working days from the submission and acceptance of the Insured Person’s proposal to any Allianz General Insurance Company (Malaysia) Berhad office.

*Asia Pacific Countries: Australia, Bangladesh, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Laos, Macau, Myanmar, Nepal, New Zealand, Pakistan, Papua New Guinea, Philippines, Singapore, Sri Lanka, Taiwan, Thailand and Vietnam.

Alternative MedicineReimburses the costs for Alternative Medicine incurred as a result of an accident, up to the limits specified in the Schedule.

Blood TransfusionPays 20% of the Principal Sum Insured if the Insured Person contracts Human Immunodeficiency Virus (HIV) as a result of a blood transfusion whilst undergoing medical treatment for injury in a government or licensed private hospital within Malaysia. Compensation shall only be payable if the Insured Person is positively diagnosed with HIV within 2 years from the date of the Blood Transfusion.


12 13

OPTIONAL BENEFITS

Notes:1. All medical evacuation and/or repatriation will be carried out under constant medical supervision up to

RM2,000,000 per person per event. 2. *These services are only available to the Insured Person whilst he/she is travelling outside Malaysia. 3. ** Up to USD1,000 if the Insured Person is outside Malaysia and up to RM1,000 if he/she is in Malaysia. 4. Each overseas trip does not exceed ninety (90) consecutive days.

Weekly BenefitsPay up to 52 weeks if you are totally unable to attend work as certified by a Medical Practitioner.

Double Indemnity in the event of Motor Vehicle AccidentIn the event the Insured Person suffers death, total paralysis from neck down or permanent total loss of use of two limb (or two or more limbs) due to motor vehicle accident, whether as a pedestrian, passenger, pillion or driver/rider, this benefit together with Renewal Bonus (if any) shall be doubled.

24 Hours International and Domestic Medical Assistance and Evacuation Programme1. Medical evacuation;2. Medically supervised repatriation;3. Repatriation of mortal remains (up to RM25,000 per event)*;4. Visit to bedside by a relative (up to RM5,000 per event)*;5. Return of children travelling with the Insured Person (up to RM2,500 per event)*;6. Despatch of medication not available locally**;7. Medical Monitoring and Emergency Message Transmission with prior

agreement of the Insured Person;8. Medical referral and arrangement of medical appointments upon

request;9. Tele-medical consultation and evaluation of the Insured’s condition;10. Emergency Message Relay;11. Legal referral;12. Referral to interpreter/translator;13. Visa, passport and inoculation requirements;14. Location of lost items.

Subject to additional premium paid, Allianz Shield Plus provides the following Optional Benefits.

Motorcycling Risk

Hunting and Mountaineering

Water Sports

Strike, Riot and Civil

Commotion

Intoxication by Drugs or

Alcohol

Underwater Activities/Scuba

Diving (Up To 50 Metres)

Hijacking

Amateur Sports (except

martial arts and boxing)

Polo Playing and Bungee

Jumping

Unprovoked Murder and

Assault

Flood, Windstorm

and Earthquake

Accidental Drowning or

Near Drowning

Suffocation Through Smoke,

Fumes and Poisonous Gas

Poisonous Food or

Drink

Insect, Snake and Animal

Bites

We understand that life may turn into a curveball. Allianz Shield Plus goes the extra mile to provide you with complementary benefits to ensure your protection is assured.

COMPLEMENTARY BENEFITS


14 15

EXCLUDED OCCUPATIONS Divers, police, army/military and law enforcement officers, aircraft testers, pilots or crews, seamen and sea fishermen, racing drivers, jockeys, oil rig workers, sawyers and timber logging workers, firemen, war correspondents, steeplejacks, stevedores, persons engaged in demolition of buildings, persons engaged in ambulance services, woodworking machinists, explosive handlers, underground tunneling and mining and professional sports activities.

EXCLUSIONSWar, civil war, AIDS, childbirth, provoked murder or provoked assault, traveling as an aircraft crew, aerial activities, martial arts, racing, radiation and nuclear weapons material.

Note: This list is non-exhaustive. Please refer to the Policy for the full list of exclusions.

Class 1 Class 2 Class 3

Occupation involving non-manual, administrative or clerical work – solely in office or similar non-hazardous places or full time student.

Occupation involving work of supervisory nature or travelling outside office for business purposes but not engaging in manual labour.

Occupation involving occasional or regular manual work not particularly hazardous in nature but involving the use of tools or machinery (not using woodworking machinery).

OCCUPATION CLASSIFICATION FREQUENTLY ASKED QUESTIONS 1. Who is eligible?

All Malaysians, Malaysian permanent residents, work permit holders, pass holders or otherwise legally employed in Malaysia and their spouses/children who are legally residing in Malaysia. Insured Person must be between the ages of thirty (30) days and sixty five (65) years at the date of inclusion and renewable up to eighty (80) years old.

2. Does this plan pay in addition to any other insurance policy that I may have?

Yes, it pays in addition to any other insurance policy you may have except for the benefits which are on reimbursement basis.

3. When will my coverage be effective?

Your coverage will be effective upon the receipt of premium and approval by the Insurer.

4. When am I entitled for Hospital Income Benefit?

You have to be admitted to the hospital as a registered patient for more than 12 hours.

5. How will I be entitled for Renewal Bonus?

As long as you renew your policy and no claim being made within the preceding year, a 10% Renewal Bonus of the Principal Sum Insured will be rewarded. If there is a claim under Permanent Disablement (any amount) or Double Indemnity benefits, the Renewal Bonus will start afresh.

6. If there are changes to my life profile, must I inform the Insurer?

Yes, you are required to inform the Insurer should there be any changes regarding your address, occupation and personal pursuits, which would affect your risk profile.

7. Am I covered if I suffer miscarriage as a result of a fall?

Yes, if the miscarriage is a result from an accidental causes.

8. What should I do if I am the victim of a snatch theft?

Make a police report within twenty four (24) hours of occurrence and then inform the Insurer.

This brochure is valid from 3 October 2019.

This brochure is not a Contract of Insurance. The description of the available cover is only a brief summary for quick and easy reference. The precise terms, benefits, conditions and exclusions that apply are stated in the Policy.

AZ

10/1

9

Allianz General Insurance Company (Malaysia) Berhad (735426-V)(Licensed under the Financial Services Act 2013 and regulated by Bank Negara Malaysia)

Allianz Customer Service CenterAllianz ArenaGround Floor, Block 2A, Plaza SentralJalan Stesen Sentral 5, Kuala Lumpur Sentral50470 Kuala Lumpur.Allianz Contact Center: 1 300 22 5542Email: [email protected]

AllianzMalaysia

allianz.com.my

Documents

COMPREHENSIVE PROTECTION FOR WHAT LIFE MAY BRING …...Allianz Shield Plus is a comprehensive personal accident plan that is specially tailored to help you prepare ahead for whatever